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Protect Your Reputation

Insurance protects against employees misrepresenting your company

Plan For The Future

Insurance protects against unforeseen risks

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Vital protection in a litigious society

Prevent Financial Ruin

Insurance helps your business survive disaster

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Choose Small Business Liability for the Right Insurance at the Right Price.

The Business Of Beauty

Whether you offer makeup, face or body treatments, tanning, massage, nail care, hair styling or specialty spa treatments, your beauty salon is serious business. Beauty is one of the fastest growing industries in the U.S. Currently there are over 200,000 beauty salons, with a projected growth of at least 10% over the next 5 years.

What does this mean for you, the beauty salon owner?


How To Keep Your Beauty Salon Business Healthy

Growing a successful beauty salon relies on nurturing a loyal customer base. It goes without saying that a beauty salon like yours will only be able to grow if you continue to provide superior beauty treatments given by qualified and caring beauty therapists. Naturally, in such a fast growing industry, competition for the best talent is set to grow year on year. Finding experienced salon employees will become more difficult.  With so much competition, you’ll have to be on top of your game both now and in the future.

Another reason that competition is becoming so intense is that barriers to entry to the industry are minimal, encouraging cosmetologists, skincare specialists and massage therapists to open new salons. This is creating intense competition for the consumer’s dollars.

In order to stay ahead of your competition, you must be willing to invest in the best employees and expand the range of products and services on offer in your beauty salon.


When Things Get Ugly

Beauty salon insurance gives you the peace of mind to take care of the personal image of your clients instead of dealing with expensive liability claims that could be fatal to your business and your income.

However, getting the right business insurance at the right price may be intimidating.  You certainly don’t want to pay for services that you don’t need, neither do you want liability coverage that proves to be inadequate. No one wants to find out that although they are up to date with their premiums, they are under-insured.

And, as your small business expands, it is wise to increase your insurance coverage as well.  Our services do not end when you purchase your insurance coverage. Just like you, we know the value of building long term relationships with our clients.

“It will never happen to me!”   ARE YOU PREPARED IF IT EVER DOES?

Is your beauty salon prepared?

Some serious beauty parlor risks you may not have considered yet:

  • theft of your parlor equipment or expensive retail products
  • breach of your customers’ private information 
  • damage to the salon through vandalism,
  • fire or storm damage
  • defects in the products used in the salon or sold for home application
  • injury of customers or staff

What if …

Wax applied to a customer’s leg turns out to be too hot, and she yelps as it was applied. Does her skin come off with the wax strip?

A salon treatment from a negligent beauty consultant can result in injury and a liability suit.

What Beauty Salon Insurance Do You Need?

Business Owners Policy

Includes two or more types of coverages packaged together in one policy. BOP is designed for the small to medium sized business with limited exposures like offices and small retail outlets.

General Liability Insurance

Necessary for all commercial businesses as it provides third-party bodily injury and property damage coverage.

Professional Liability

sometimes called “errors and omissions coverage” is designed to defend and pay claims against actions taken that stem from their professional capacity and training.

Loss of Income Coverage

This insurance coverage reimburses apartment owners for the loss of income due to damage by a covered loss (like fire or storm).
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We Help To Protect Your Small Business!

No matter if you work as an independent contractor in a beauty parlor or if you are the owner of the business, sometimes unexpected events happen, and you need to be prepared for the worst. Beauty parlors face different risks, with the most common being liability claims from a dissatisfied customer or bodily injuries and the second being damages done to your commercial property caused by an accident, nature or dishonesty

Ask us about Beauty Salon Insurance!

At Small Business Liability, first up we will assess your insurance coverage needs. We will provide a beauty salon insurance package that suits you best. Contact one of our representatives today for the best insurance coverage for your particular needs.

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